Have
you been refused credit for no apparent reason? You may
be on a credit black list without being aware of it.

A
late payment, fraud or human error may lead to lenders refusing you
credit - it is possible your credit rating could be affected by
previous occupants of your current address, relatives or strangers
of the same name.

Before you can rectify an errors or issues affecting your credit
rating, you will need to know what they are. If you suspect
that you may have been given a poor credit report, you may want to
conduct a credit check on yourself.

Various companies provide internet sites with free credit check
facilities - make sure you select one that provides personal checks
rather than business credit checks.